To Be Budgeted + "Available" to pay back Credit = ~100 bucks more than I actually have

Rant: For the past year, I've been making great strides in my budget. When YNAB works, it feels like an awesome superpower. When it doesn't (like it is now) it feels like a debilitating weakness that makes things WAY harder than easier. Somehow, after my most recent YNAB session, my budgeting feels completely destroyed after catching up on about a week or so of missed transactions.

Problem: Went in to settle some missed transactions, and now my To be Budgeted is greater than what I have in my Checking account (Savings is not included in what should be budgeted, that has already been accounted for). And my "Available to spend" section for one of my credit cards shows almost 100 dollars more than what I actually have to spend. What's WORSE, is that even when I enter a fake transaction to cover the 94.44 you see in the attached screenshot, my To be Budgeted is STILL the same 87.58 you see at the top. I suppose that's because my "Budgeted" section for the Best Buy card is not being chipped away (already budgeted, so a payment doesn't reduce it) but my ultimate question is HOW the hell I even wound up with that amount in my Budgeted section to begin with.

 

Clearly I've done something way wrong with my budget and it feels hopeless at this point. Hoping someone can help me make sense of this nightmare so I can get back to utilizing this software for what it was meant for instead of making things more confusing.

 

Any help is super appreciated - happy holidays, y'all.

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  • I would have to see the rest of your budget, but I am 100% certain that not all of your savings account is in savings categories. 

    Like 2
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      satcook Believe me, I wish I could show you my whole budget if it means I could get some resolution on this. Why doesn't YNAB offer personalized Budget management sessions for like $20/$50 bucks a pop?

      You're close to what I think the issue is, my Savings account recently had some help from family and I was initially nervous it would mess things up in my budget but I've been categorizing every transaction carefully to make sure everything's lined up. Somehow it's all screwed up now and I have no idea how to fix it.

      I appreciate you replying to help!!

      Like
      • satcook
      • satcook
      • 2 mths ago
      • Reported - view

      Will S if you could share screenshots of your savings categories, then I could confirm my theory. 

      Like
      • satcook
      • satcook
      • 2 mths ago
      • Reported - view

      it list the savings categories along with the amount in the available bubble

      Like
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      satcook     

      Like
      • satcook
      • satcook
      • 2 mths ago
      • 1
      • Reported - view

      Will S as I said you have more in your savings account than you have in the savings long. Increase your savings category balance by $102.04. Then your problem will be solved. 

      Like 1
      • satcook
      • satcook
      • 2 mths ago
      • 1
      • Reported - view

      Will S it is the interest and $100 paycheck transfer that you didn’t budget to the savings line. 

      Like 1
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      satcook YOU. ARE. MY. SAVIOR!!!

      I have been painstakingly looking through my checking transactions, and only took a cursory glance at my savings assuming that, since it was reconciled, it was correctly in-sync. My eyes are going cross-eyed from looking at transactions, dates, etc.

      I knew I messed up somewhere, and this is exactly where it was. Once I correctly adjusted my Nov and Dec budget to my savings category - voila! My TBB and Checking balance are now exactly the same.

      Thank you thank you thank you for helping me spot that and point it out to me. I feel kinda silly, very exhausted, but ultimately relieved! Wish I could offer more than my sincere thanks here, lmk if I can! Otherwise, thank you very much and I hope you have a great holiday if you celebrate :)

      Like
    • Will S I did want to mention that you can send us a message in the app, or via email any time and we can help one-on-one! There is no charge for help from our Support Team. 🙂And you can enable Support Access for our team to look closer.

      Based on your last reply it sounds like your question has been answered, but if not—just ping (@) me, and we can dig in!

      Like
  • I would recommend you go back to the beginning.  You are missing some fundamental understanding of the ynab method and the software.  To Be budgeted has no relationship at all to your checking account balance.  I'd recommend some of the getting started training.

    Like 5
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      Herman appreciate the response and recommendation. I've been at this for over a year now and have started over many times. Admittedly, I was way off in my understanding of how the software works and reached out to support numerous times. Problem is that I did wind up getting the hang of things, and it only recently went out of sync. I know that my To be Budgeted is not supposed to reflect my checking account, but that's the only money that I spend from, and both my Savings and Checking are reconciled and show the proper balance. Baffling and extremely frustrating.

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • Reported - view

      Will S The money in your total bank accounts equals the money in your budget (including future month budgeted money plus unbudgeted money.

      If I had to guess you've got $214.25 budgeted in a future month.

      Additionally, YNAB doesn't put any money in the Budgeted column of any category unless you type a number in, use a quick budget option or use the tool that moves money between categories.

      Like
      • Herman
      • herman
      • 2 mths ago
      • Reported - view

      Will S sorry, you still are not understanding.  You are comparing things that have little relationship to one another.  I wish I could explain in a way that would be make sense to you but I don't think I can.  

      Like
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      nolesrule I will often see that I've overspent in credit on a particular category and then immediately cover that with my TbB balance (the reason I don't budget down to $0 is because I know myself and that I will spend spontaneously and need to make up for that "mistake." To me, it's the same as "Rolling with the punches" by moving money from one budgeted category to the one I overspent in, but in my case I just don't budget all my money in one go bc I know my habits. This will hopefully (and has) improve over time.

      My thinking is that I may have tried to "fix" my budget and screwed something up along the way.

      Additionally, I don't have any money budgeted for anything in any future month. I just... somehow have extra money to play with in YNAB that I don't actually have.

      Like
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      Herman the way I see it, To Be Budgeted can be elongated to "Money You Have To Be Budgeted" would you agree? I can't budget money that I don't have. Period. If I have no money, then get paid 100 bucks, I have 100 bucks to budget, don't I?

      If I open a credit card to purchase something for 50 bucks, then I should move money in my To Be Budgeted to that spending category, which means I can spend 50 bucks paying back my credit card. Right?

      So how do I wind up with funds in my "pay back my credit card" more than what I actually have To Be Budgeted? Something screwed up along the way somewhere.

      If I'm still not getting it with the above description, then maybe I should start over. Or find a different software that won't constantly screw up when syncing with my bank and credit cards. Why even have that functionality? Why not have an option to "fix" where I went wrong? Sigh. Thank you for your assistance anyway - truly appreciated!

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • Reported - view

      Will S Don't leave it in TBB. At least put it in a holding category.

      Like
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      nolesrule I have played with keeping it in "Fun Money" or "Stuff I Forgot to Budget for" -- but realistically what's the difference?

      Like
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 mths ago
      • Reported - view

      Will S The difference is that when TBB is something other than zero you can unknowingly syphon it off without realizing it, and then the money ends up in areas you do not intend, and there are many ways it can happen accidentally and without notice. The whole point of a YNAB budget is in being judicious and deliberate.

      Like
      • Herman
      • herman
      • 2 mths ago
      • Reported - view

      Will S  I wish you the best.

      Like
  • Will S said:
    I did wind up getting the hang of things, and it only recently went out of sync

    It's easier if you don't try to sync accounts and categories. Invariably, you will make a mistake and become confused, this case in point. Read the following article, realize that location (account) and purpose (category) are independent concepts, and budget TBB to $0.

    https://www.youneedabudget.com/the-relationship-between-your-budget-your-accounts-its-complicated/

    Like 3
      • Will S
      • frustrated
      • Khaki_Major.3
      • 2 mths ago
      • Reported - view

      dakinemaui appreciate the reply. I've read that article like 13 times already. It makes no sense because my amount TO BE BUDGETED is more than I ACTUALLY HAVE. Period. End of story.

      So if I TBB down to $0, money will be "active" in categories for that money to be spent on, but that money doesn't actually exist.

      The problem is that, yes, I must have made an error somewhere, but YNAB makes it impossible to easily scan or recalculate based on these numbers. The only thing I know I have at my disposal is to go through allllll of my transactions (again) with a fine-tooth comb, or just start over which renders all my progress for naught.

      Like
      • dakinemaui
      • dakinemaui
      • 2 mths ago
      • Reported - view

      Will S it has nothing to do with your transactions. You have negative category balances in the budget that are inflating TBB. Budget all the funds in TBB, especially to red/negative categories first.

      The article was in reference to your desire to sync. You should also adhere to Rule 3 (fix overspending ASAP). 

      Edit: my negative category comment above assumes you are correctly "accounting" for the savings account, as you said you've done. I will note there cannot possibly be a syncing problem if you are not syncing.

      Like
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